I think it's excessive when people max out their 401(k)s or Roth IRAs for over 20 years - am I wrong?
Briefly

"Maxing out your retirement accounts is often recommended due to tax advantages, compound growth, and enhanced retirement security, enabling individuals to ensure a comfortable retirement free from financial stress."
"While some individuals find it feasible to contribute the maximum to their retirement accounts, others face financial realities that prioritize immediate expenses like housing and childcare, making aggressive savings less practical."
Read at 24/7 Wall St.
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